复杂应用程序的数据建模：继承？模块？
我正在为 Rails 应用程序开发一个原型，该应用程序的模型有些复杂。我很难弄清楚应该如何设计模型。
基本思想如下：
假设该应用程序适用于小型合作社，并且应该允许用户在线提交“申请”（如申请贷款、账户等）。
从技术上讲，它们都是“应用程序”，我的客户想要一个仪表板，显示给定组（即：汽车贷款组）的所有待处理评估。所以，我正在考虑建立一个应用程序模型。我可以为贷款、帐户等子类化 ApplicationModel ，但我认为 Rails 将使用 Loans 表、Accounts 表，以及对于每种类型的模型都是如此。贷款也有不同种类：抵押贷款、汽车贷款、个人贷款等。所有贷款都需要不同的数据。整个贷款部门的经理应该能够从他的仪表板（所有类别的贷款）中查看所有待审批的贷款审批。
如果我要做类似 Loans.find() 的事情，我会得到所有贷款子类型吗？或者仅存储在贷款表中的内容？
继承是一条出路吗？我应该看别的东西吗？ Rails 足以满足这种应用吗？
我看到他们正在使用的基于 Java 构建的遗留应用程序（但非常讨厌）。以前的开发人员有一个 ST_APPLICATIONS 表，用于存储所有应用程序。在该表中，他将所有应用程序数据存储在包含一堆 XML 的 blob 中。 Rails 会推荐这种方法吗？
I'm developing a prototype for a Rails application that has a somewhat complex model. I'm having a hard time figuring out how the model should be designed.
Here's the basic idea:
Say the app is for a small coop, and should allow users to file "applications" (as in a apply for a loan, accounts, etc) online.
Technically, all of them are "applications" and my client would like a dashboard presenting all pending evaluations for a given group (ie: the auto loans group). So, I'm thinking of having an application model. I could subclass ApplicationModel for loans, accounts, etc., but I'm thinking Rails will use a Loans table, an Accounts table, and so, and so for each type of model. There are different kinds of loans too: Mortgage, Auto, Personal, etc. All require different data. A manager for the whole Loans division, should be able to see all pending loan approvals from his dashboard (all classes of loans).
If I were to do something like Loans.find() would I get all Loan subtypes with it? Or only what's stored in the loans table?
Is inheritance the way to go? Should I be looking at something else? Is rails even adequate for this kind of application?
I saw the legacy application built on Java that they were using (but hated with a passion). The previous developer had an ST_APPLICATIONS table which store all applications. In that table he stores all the application data in a blob containing a bunch of XML. Would such an approach be recommended with Rails?
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